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GE APP SPREE HELP - 8/18-8/19

Frequent Contributor

Re: GE APP SPREE HELP - 8/18-8/19

I have gotten 4 GE backed cards in the last 2 months.  Walmart, Lowes, CareCredit, and Smartconnect.  I don't know if there any limit, but I think I'm all GE'd out for now, there are no other cards backed by them I need.

01/06/2015 Walmart TU 726
01/06/2015MyFico EQ 705
01/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $12K, CareCredit $13.2K, Chase Freedom $5000, Walmart $4500, Lowes $9800, QVC $1200, HSN $2350, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $4K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $7800
Message 21 of 30
Super Contributor

Re: GE APP SPREE HELP - 8/18-8/19

No such thing as too much GE

I wish GE opened up like...a regular bank (like Cap1,Chase,BoA or something). I would move everything I have to them cause they're so nice. Smiley Very Happy

Message 22 of 30
Senior Contributor

Re: GE APP SPREE HELP - 8/18-8/19

GECRB is awesome! They helped me get higher limits with bank cards! I have like eight accounts with GECRB!! Their store card limits can get high, like my JCP @$4,900 or Lowe's @$8,500 Total open cred w them is prob around $20-30k! :-D
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 23 of 30
Frequent Contributor

Re: GE APP SPREE HELP - 8/18-8/19

GE didn't ilke me much during my recent app spree, but I'm going to win them over! I had a Care Credit card that I got two years ago, with a nice $3,000 limit. I applied for Old Navy and WalMart last month, and was approved, but only for $200 and $400.

 

I made purchases immediately with the cards, and have since paid in full. GE reports FAST though, so my Old Navy card hit my credit report showing 96% utilization! That should update in the next couple days, so I'm waiting to see the effect on my score. I'm going to try for a CLI on that one sooner than 4 months, as $200 at Old Navy isn't going to go very far with the holidays and cold weather shopping coming up!

Scores:
07/29/12: EX FICO (Amex) 684 | EQ MyFICO 631 | TU Walmart 695
Current: EX FICO (MyFICO) 733 | EQ (MyFICO) 683 | TU (Walmart) 745

First Goal: 700+ across the board - Got it on EX & TU!!!
Message 24 of 30
Senior Contributor

Re: GE APP SPREE HELP - 8/18-8/19

Autumnslight- maybe in a year or two, you will get the Walmart Discover upgrade offer!!!!:-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 25 of 30
Senior Contributor

Re: GE APP SPREE HELP - 8/18-8/19

Or the ON Visa upgrade offer!!!!:-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 26 of 30
Contributor

Re: GE APP SPREE HELP - 8/18-8/19


wreith wrote:

I have gotten 4 GE backed cards in the last 2 months.  Walmart, Lowes, CareCredit, and Smartconnect.  I don't know if there any limit, but I think I'm all GE'd out for now, there are no other cards backed by them I need.


I was actually going to start a thread on this but maybe you would be able to answer my question....

 

I need to get Care Credit within the next few months (for surgery) and I wanted to know how long I should wait before applying. I just got approved for the amazon $1200 CL. BUT I'm new to credit and only have the FP secured card(open since july) and from what I hear is horrible and doesn't help anyway. So technically I only have the one GE Amazon.

 

I wasn't sure if I should open another GE store card and use both for a few months, then apply for the care credit, or if having too many open would hinder me getting approved for it. What do you think?


-------------------------------------------------------------------------------------------------
EQ 701, TU 685, EX ?
Wallet:
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).
Message 27 of 30
Established Contributor

Re: GE APP SPREE HELP - 8/18-8/19

If you only have 1 cc and it was opened since July, try waiting 6 months since the date of application and go for care credit in january.
You can risk it and apply now but it will hurt your chances.

They are very good and on the day you apply try to call the backdoor and request a recon for a higher cl. Mine was sp cli but some people report hps for care credit cli so ymmv.
Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Message 28 of 30
Contributor

Re: GE APP SPREE HELP - 8/18-8/19


CruzImperial wrote:
If you only have 1 cc and it was opened since July, try waiting 6 months since the date of application and go for care credit in january.
You can risk it and apply now but it will hurt your chances.

They are very good and on the day you apply try to call the backdoor and request a recon for a higher cl. Mine was sp cli but some people report hps for care credit cli so ymmv.

thanks for the reply. Thats what I'm thinking. I was hoping to reapply around Feb. I'm hoping for 5k+ CL but doubtful


-------------------------------------------------------------------------------------------------
EQ 701, TU 685, EX ?
Wallet:
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).
Message 29 of 30
Valued Contributor

Re: GE APP SPREE HELP - 8/18-8/19

I've opened up 4 GE accounts in a 3 month period. All were approved with no problems. I do wonder when GE starts having a problem with opening multiple accounts in a short period of time.

As of 2017, rebuilding...
Message 30 of 30